SharesGrow 7-Criteria Score
All 7 criteria scored · valuation-related highlighted on this page
Credit Acceptance Corporation (CACC) trades at a trailing P/E of 12.0, forward P/E of 10.8. Trailing earnings yield is 8.37%, forward earnings yield 9.27%. PEG 0.13 (Peter Lynch undervalued ≤1.0). Graham Number is $349.46.
Criteria proven by this page:
- VALUE (80/100, Pass) — P/E is below market average (12.0); PEG ≤ 1.0 — Peter Lynch undervalued (0.13); earnings yield beats bond yields (8.37%).
- Forward P/E 10.8 (down from trailing 12.0) — analysts expect earnings to grow, which would improve the valuation.
- PEG Ratio 0.13 — below 1.0 suggests the stock is undervalued relative to its earnings growth rate (Peter Lynch criterion).
- Trailing Earnings Yield 8.37% — exceeds typical bond yields (~4.3%), making equity attractive vs fixed income. Forward yield improves to 9.27% as earnings recover.
- Analyst consensus target $480.00 (-2% downside) — slight downside risk — the market may be ahead of analyst expectations.
Overall SharesGrow Score: 60/100 with 5/7 criteria passed.
SharesGrow 7-Criteria Score
✓
VALUE
80/100
Price-to-Earnings & upside
Proven by this page
✗
HEALTH
0/100
Debt-to-Equity & liquidity
→ Health
Valuation Snapshot — CACC
Valuation Multiples
P/E (TTM)12.0
Forward P/E10.8
PEG Ratio0.13
Forward PEG0.52
P/B Ratio3.32
P/S Ratio2.23
EV/EBITDA16.0
Per Share Data
EPS (TTM)$38.86
Forward EPS (Est.)$45.40
Book Value / Share$139.67
Revenue / Share$210.32
FCF / Share$96.53
Yields & Fair Value
Earnings Yield8.37%
Forward Earnings Yield9.27%
Dividend Yield0.00%
Graham Number$349.46
SharesGrow IV$627.16 (+28%)
Analyst Target$480.00 (-2%)
Historical Valuation
| Year |
P/E (TTM) |
PEG Ratio |
P/B Ratio |
P/S Ratio |
Dividend Yield |
| 2016 |
13.3 |
0.94 |
3.77 |
4.58 |
- |
| 2017 |
13.4 |
0.28 |
4.11 |
5.70 |
- |
| 2018 |
12.9 |
0.58 |
3.73 |
5.80 |
- |
| 2019 |
12.7 |
0.72 |
3.55 |
5.65 |
- |
| 2020 |
14.7 |
-0.46 |
2.68 |
3.71 |
- |
| 2021 |
11.5 |
0.08 |
6.06 |
5.98 |
- |
| 2022 |
12.0 |
-0.36 |
3.96 |
3.53 |
- |
| 2023 |
24.1 |
-0.55 |
3.93 |
3.67 |
- |
| 2024 |
23.3 |
-2.62 |
3.31 |
2.71 |
- |
| 2025 |
11.6 |
0.13 |
3.22 |
2.12 |
- |
P/E Ratio & Earnings Yield
Earnings Per Share (EPS) History
| Year |
EPS (Diluted) |
Revenue |
Net Income |
Net Margin |
| 2016 |
$16.31 |
$917.3M |
$332.8M |
36.3% |
| 2017 |
$24.04 |
$1.05B |
$470.2M |
44.7% |
| 2018 |
$29.39 |
$1.22B |
$574M |
46.9% |
| 2019 |
$34.57 |
$1.42B |
$656.1M |
46.2% |
| 2020 |
$23.47 |
$1.62B |
$421M |
26% |
| 2021 |
$59.52 |
$1.8B |
$958.3M |
53.2% |
| 2022 |
$39.32 |
$1.18B |
$535.8M |
45.2% |
| 2023 |
$21.99 |
$1.9B |
$286.1M |
15% |
| 2024 |
$19.88 |
$2.13B |
$247.9M |
11.6% |
| 2025 |
$37.55 |
$2.32B |
$423.9M |
18.3% |
Analyst Estimates
| Year |
EPS (Avg) |
EPS Range |
Revenue (Avg) |
Revenue Range |
Analysts |
| 2026 |
$46.22 |
$45.04 – $47.39 |
$2.14B |
$2.1B – $2.18B |
1 |
| 2027 |
$54.75 |
$53.36 – $56.14 |
$2.26B |
$2.17B – $2.35B |
1 |
| 2028 |
$74.58 |
$72.69 – $76.47 |
$2.75B |
$2.7B – $2.81B |
1 |
